STELA GROUP
ActiveSummary
The computed 12-month bankruptcy probability of STELA GROUP is 4.0% (moderate). The 2024 annual accounts show equity of €23k and a net result of €3k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 9982 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84▲+36
Solvency100▲+41
Growth52=
Track record94
Bankruptcy probability, 12 months
4.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 12.33 against 1.47 in 2023; short-term debt: 8.1% and cash: 5.2% of total assets), and 8.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
91.9%
Return on assets
12%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-07-2025, 18 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
18 d early
2023
43 d early
2022
83 d late
2021
22 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€23k▲ 15.0%
2023 · €20k
2021: €8k
2022: €18k
2023: €20k
2021 → 2024
Total assets
€25k▼ 58.0%
2023 · €60k
2021: €11k
2022: €29k
2023: €60k
2021 → 2024
Net result
€3k▲ 16.7%
2023 · €3k
2021: €8k
2022: €9k
2023: €3k
2021 → 2024
Working capital
€23k▲ 23.5%
2023 · €19k
2021: €8k
2022: €16k
2023: €19k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€8k-€18k▲ 112%€20k▲ 14.7%€23k▲ 15.0%
Operating result€11k-€12k▲ 10.6%€3k▼ 76.2%€5k▲ 83.1%
Net result€8k-€9k▲ 12.1%€3k▼ 72.1%€3k▲ 16.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 83% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €25k
Equity
€23k ▲ 15.0%
Debt
€2k ▼ 94.9%
Debt's share of the balance-sheet total falls from 66.5% to 8.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k
Cash flow
€4k
Current ratio
12.33▲
2023 · 1.47
Debt to equity
0.09▼
2023 · 1.98
ROE
13.0%▲
2023 · 12.8%
ROA
12.0%▲
2023 · 4.3%
Interest coverage
71.97
Debt ≤ 1 year
€2k▼
2023 · €40k
Income taxes
€2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 31 lines
Balance sheet
Code20232024
Assets
Total assets20/58€60k€25k▼
Fixed assets21/28€1k-
Tangible fixed assets22/27€1k-
Furniture and vehicles24€1k-
Current assets29/58€59k€25k▼
Amounts receivable within one year40/41€53k€24k▼
Trade receivables40€3k€7k▲
Other amounts receivable41€50k€17k▼
Cash at bank and in hand54/58€6k€1k▼
Equity and liabilities
Total equity and liabilities10/49€60k€25k▼
Equity10/15€20k€23k▲
Profit (loss) carried forward14€20k€23k▲
Amounts payable17/49€40k€2k▼
Amounts payable within one year42/48€40k€2k▼
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45€39k€2k▼
Taxes450/3€39k€2k▼
Other amounts payable47/48€269-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1k
Other operating charges640/8€1k€1k▲
Gross operating margin9900€4k€8k▲
Operating profit (loss)9901€3k€5k▲
Financial charges65/66B€201€91▼
Recurring financial charges65€201€91▼
Profit (loss) for the period before taxes9903€3k€5k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€3k€3k▲
Profit (loss) for the period to be appropriated9905€3k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€23k▲
Profit (loss) brought forward from the previous period14P€18k€20k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 8current ratio 12.33
Current ratio from 1.47 to 12.33; short-term debt falls from €40k to €2k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €3k ▼72.1%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
22-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 83 days late
2022
31-12
Financial
Highest result since 2021net €9k ▲12.1%
Operating result €12k, net result €9k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Emile Bockstaellaan 611020 BrusselGround area
141 m²
Building footprint
86 m²
Volume, LiDAR
1,297 m³
Parcel 21815D0030/00T004, Brussels · tallest building 19.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
STELA GROUP
since 20202.317.973.267
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0030/00T004 | Brussels | 140 m² | 1 · 86 m² | 19.3 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,920 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.